APR MORTGAGES LTD
🏛️Establishedactive
10362822 · ltd · incorporated 2016-09-07
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 77/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
24 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2025-11-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-10-29📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2024-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-09📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-10-01➕ROWE, Janine appointeddirector
- 2021-09-10📄capital-allotment-sharescapital · SH01
- 2020-11-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-02-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-05-20📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-05-03📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-09-07🏢Company incorporatedAs APR MORTGAGES LTD
- 2016-09-07➕ROWE, Janine appointedsecretary
- 2016-09-07➕ROWE, Andrew Paul appointeddirector
- 2016-09-07📄incorporation-companyincorporation · NEWINC
Owner dependency
74/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Paul Rowe Individual · British · DOB 05/1968 · age 58 | 75–100% | — | 75-100% shares | 07/09/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Financial services · NP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ACTIVE FINANCIAL ADVISERS LTD→ 12307130 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACUMEN ASSOCIATE FINANCIAL SERVICES LTD→ 05009614 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| ADAM LEWIS FIRST IN MORTGAGES LTD→ 16301001 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AJ O'NEILL WEALTH CONSULTANCY LTD→ 17111010 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ALRO HOMES LTD→ 13524234 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AMBER SHIELD FINANCE LTD→ 15512614 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AMPLE MORTGAGES LIMITED→ 12528571 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ARGOED WEALTH MANAGEMENT LTD→ 09935439 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ASCENT WEALTH MANAGEMENT LTD→ 12133960 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASSET MORTGAGE SOLUTIONS LIMITED→ 05194100 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| ATM SERVICES LIMITED→ 04682264 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| AUGUST THREE INVESTMENT LTD→ 09883253 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated2016-09-07
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
69 Bridge Street
Newport
NP20 4AQ
Wales
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-09-20
Last: 2025-09-06
Officers (3 active · 0 resigned)
Active
ROWE, Andrew Paul→
Activedirector · ~58y · appointed 2016-09-07
View their other companies + combined net worth →
ROWE, Janine→
Activedirector · ~52y · appointed 2021-10-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (24 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-10-29
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2025-10-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-11
appoint-person-director-company-with-name-date
officers · AP01
2021-10-18
confirmation-statement-with-updates
confirmation-statement · CS01
2021-09-13
capital-allotment-shares
capital · SH01
2021-09-10
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-23